北京贷款390万（商业贷款）房贷，还款2年6个月的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：390万
还款月数：2年6个月
每月还款：135959.8元
利息总额：17.88万
本息合计：407.88万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 135959.80 | 11375.00 | 124584.80 | 3775415.20 |
| 2 | 2025-05 | 135959.80 | 11011.63 | 124948.18 | 3650467.02 |
| 3 | 2025-06 | 135959.80 | 10647.20 | 125312.61 | 3525154.41 |
| 4 | 2025-07 | 135959.80 | 10281.70 | 125678.10 | 3399476.31 |
| 5 | 2025-08 | 135959.80 | 9915.14 | 126044.66 | 3273431.65 |
| 6 | 2025-09 | 135959.80 | 9547.51 | 126412.29 | 3147019.36 |
| 7 | 2025-10 | 135959.80 | 9178.81 | 126781.00 | 3020238.36 |
| 8 | 2025-11 | 135959.80 | 8809.03 | 127150.77 | 2893087.58 |
| 9 | 2025-12 | 135959.80 | 8438.17 | 127521.63 | 2765565.95 |
| 10 | 2026-01 | 135959.80 | 8066.23 | 127893.57 | 2637672.39 |
| 11 | 2026-02 | 135959.80 | 7693.21 | 128266.59 | 2509405.79 |
| 12 | 2026-03 | 135959.80 | 7319.10 | 128640.70 | 2380765.09 |
| 13 | 2026-04 | 135959.80 | 6943.90 | 129015.90 | 2251749.19 |
| 14 | 2026-05 | 135959.80 | 6567.60 | 129392.20 | 2122356.99 |
| 15 | 2026-06 | 135959.80 | 6190.21 | 129769.59 | 1992587.39 |
| 16 | 2026-07 | 135959.80 | 5811.71 | 130148.09 | 1862439.30 |
| 17 | 2026-08 | 135959.80 | 5432.11 | 130527.69 | 1731911.61 |
| 18 | 2026-09 | 135959.80 | 5051.41 | 130908.39 | 1601003.22 |
| 19 | 2026-10 | 135959.80 | 4669.59 | 131290.21 | 1469713.01 |
| 20 | 2026-11 | 135959.80 | 4286.66 | 131673.14 | 1338039.87 |
| 21 | 2026-12 | 135959.80 | 3902.62 | 132057.19 | 1205982.68 |
| 22 | 2027-01 | 135959.80 | 3517.45 | 132442.35 | 1073540.33 |
| 23 | 2027-02 | 135959.80 | 3131.16 | 132828.64 | 940711.69 |
| 24 | 2027-03 | 135959.80 | 2743.74 | 133216.06 | 807495.63 |
| 25 | 2027-04 | 135959.80 | 2355.20 | 133604.61 | 673891.02 |
| 26 | 2027-05 | 135959.80 | 1965.52 | 133994.29 | 539896.73 |
| 27 | 2027-06 | 135959.80 | 1574.70 | 134385.10 | 405511.63 |
| 28 | 2027-07 | 135959.80 | 1182.74 | 134777.06 | 270734.57 |
| 29 | 2027-08 | 135959.80 | 789.64 | 135170.16 | 135564.41 |
| 30 | 2027-09 | 135959.80 | 395.40 | 135564.41 | 0.00 |
等额本金还款方式：
贷款总额：390万
还款月数：2年6个月
首月还款：141375元
每月递减：379.17元
利息总额：17.63万
本息合计：407.63万
节省利息：2481.58元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 141375.00 | 11375.00 | 130000.00 | 3770000.00 |
| 2 | 2025-05 | 140995.83 | 10995.83 | 130000.00 | 3640000.00 |
| 3 | 2025-06 | 140616.67 | 10616.67 | 130000.00 | 3510000.00 |
| 4 | 2025-07 | 140237.50 | 10237.50 | 130000.00 | 3380000.00 |
| 5 | 2025-08 | 139858.33 | 9858.33 | 130000.00 | 3250000.00 |
| 6 | 2025-09 | 139479.17 | 9479.17 | 130000.00 | 3120000.00 |
| 7 | 2025-10 | 139100.00 | 9100.00 | 130000.00 | 2990000.00 |
| 8 | 2025-11 | 138720.83 | 8720.83 | 130000.00 | 2860000.00 |
| 9 | 2025-12 | 138341.67 | 8341.67 | 130000.00 | 2730000.00 |
| 10 | 2026-01 | 137962.50 | 7962.50 | 130000.00 | 2600000.00 |
| 11 | 2026-02 | 137583.33 | 7583.33 | 130000.00 | 2470000.00 |
| 12 | 2026-03 | 137204.17 | 7204.17 | 130000.00 | 2340000.00 |
| 13 | 2026-04 | 136825.00 | 6825.00 | 130000.00 | 2210000.00 |
| 14 | 2026-05 | 136445.83 | 6445.83 | 130000.00 | 2080000.00 |
| 15 | 2026-06 | 136066.67 | 6066.67 | 130000.00 | 1950000.00 |
| 16 | 2026-07 | 135687.50 | 5687.50 | 130000.00 | 1820000.00 |
| 17 | 2026-08 | 135308.33 | 5308.33 | 130000.00 | 1690000.00 |
| 18 | 2026-09 | 134929.17 | 4929.17 | 130000.00 | 1560000.00 |
| 19 | 2026-10 | 134550.00 | 4550.00 | 130000.00 | 1430000.00 |
| 20 | 2026-11 | 134170.83 | 4170.83 | 130000.00 | 1300000.00 |
| 21 | 2026-12 | 133791.67 | 3791.67 | 130000.00 | 1170000.00 |
| 22 | 2027-01 | 133412.50 | 3412.50 | 130000.00 | 1040000.00 |
| 23 | 2027-02 | 133033.33 | 3033.33 | 130000.00 | 910000.00 |
| 24 | 2027-03 | 132654.17 | 2654.17 | 130000.00 | 780000.00 |
| 25 | 2027-04 | 132275.00 | 2275.00 | 130000.00 | 650000.00 |
| 26 | 2027-05 | 131895.83 | 1895.83 | 130000.00 | 520000.00 |
| 27 | 2027-06 | 131516.67 | 1516.67 | 130000.00 | 390000.00 |
| 28 | 2027-07 | 131137.50 | 1137.50 | 130000.00 | 260000.00 |
| 29 | 2027-08 | 130758.33 | 758.33 | 130000.00 | 130000.00 |
| 30 | 2027-09 | 130379.17 | 379.17 | 130000.00 | 0.00 |